Life hack: I have a Prime account as well as the Amazon credit card, and I share it with several of my closest friends. I pay for the account, but the caveat is that my friends (who I trust very much) must use the credit card and then send me money via Venmo. Every purchase they make I get 3% back.

It cancels out the $99/year fairly quickly and then some. Also unlimited photo storage is a huge plus for me.

Against the TOS? Most likely.